Download or read book Consumer Credit Reports written by Consumer Financial Protection Bureau and published by CreateSpace. This book was released on 2015-01-18 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: When a debt is seriously delinquent and the creditor sells the debt or refers the debt either to a collection agency or to an internal collection department, the collector or creditor can separately report the account to one or more of the three largest nationwide consumer reporting agencies (NCRAs) as an account in collections. The presence of a collections tradeline can have a negative impact on a consumer's credit score. There are currently an estimated 220 million consumers with a credit report at one or more of the NCRAs. Collections tradelines affect the reports of nearly one out of three of these consumers. Consumers are far more likely to dispute the accuracy of these tradelines than of other information contained on their credit reports. Roughly half of all collections tradelines that appear on credit reports are reported by debt collectors seeking to collect on medical bills claimed to be owed to hospitals and other medical providers. These medical debt collections tradelines affect the credit reports of nearly one-fifth of all consumers in the credit reporting system. This paper describes characteristics of the medical and non-medical collections tradelines on consumers' credit reports and the processes by which they appear and disappear. It draws on analysis of data contained in the Consumer Financial Protection Bureau's (CFPB) Consumer Credit Panel (CCP); consumer complaints to the CFPB about collections; and interviews with debt collection agencies, healthcare providers, and other observers of the healthcare billing and payment processes. The CFPB has not sought to verify original research introduced in this paper through its supervisory authorities. The paper does not draw upon supervisory information the CFPB has learned through examinations it has conducted, and does not make conclusions about whether any specific market participants are in compliance with particular statutes or rules pertaining to consumer reporting.
Download or read book Communication Skills in Pharmacy Practice written by Robert Beardsley and published by Lippincott Williams & Wilkins. This book was released on 2019-01-22 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Publisher's Note: Products purchased from 3rd Party sellers are not guaranteed by the Publisher for quality, authenticity, or access to any online entitlements included with the product. Newly focused on the practical communications skills student pharmacists need for effective practice, this updated Seventh Edition—now in full color— reflects new ACPE standards, including up-to-date coverage of the PPCP model, co-curricular experiences, interprofessional interaction and collaboration, and professional development. Practical, easy-to-use, and packed with relevant case studies and coverage of the latest advances in the field, this edition is ideal for the foundational course and pre-experiential training.
Download or read book Afterlives of Data written by Mary F.E. Ebeling and published by Univ of California Press. This book was released on 2022-06-13 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction: data lives on -- Tracing life through data -- Building trust where data divides -- Collecting life -- Mobilizing alternative data -- On scoring life -- Data visibilities -- Epilogue: afterlife.
Download or read book Biomedical Ethics and Decision Making written by Matthew A. Butkus and published by Gegensatz Press. This book was released on 2022-02-11 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing from clinical experience, philosophy, psychology, and current health law and policy, Biomedical Ethics and Decision-Making is a detailed survey of persistent issues in health care ethics, emphasizing the complexities and nuances of practical decision-making and yielding a multifaceted and systematic approach to solving problems. As a useful resource for both students and clinicians, it includes references for further exploration of ethical issues as well as provocative questions for discussion in classroom and clinical settings. As a textbook, it stands alongside such standard works as Beauchamp's and Childress's Principles of Biomedical Ethics; DeGrazia's, Mappes's, and Ballard's Biomedical Ethics; Munson's Intervention and Reflection; and Vaughn's Bioethics. Besides presenting current dilemmas in health care, it reviews elements of cognitive psychology, describes common errors in critical thinking, offers techniques for evaluating and integrating evidence into ethical reasoning, assesses professionals and professionalism, invites readers to dissect philosophical analyses to bolster their critical thinking skills, and provides opportunities to engage in self-reflection on contemporary challenges in health care policy and delivery.
Download or read book The Unbanking of America written by Lisa Servon and published by Houghton Mifflin Harcourt. This book was released on 2017-01-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Download or read book Exploiting Hope written by Jeremy Snyder and published by Oxford University Press. This book was released on 2020-09-03 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: We often hear stories of people in terrible and seemingly intractable situations who are preyed upon by someone offering promises of help. Frequently these cases are condemned in terms of "exploiting hope." These accusations are made in a range of contexts: human smuggling, employment relationships, unproven medical 'cures.' We hear this concept so often and in so many contexts that, with all its heavy lifting in public discourse, its actual meaning tends to lose focus. Despite its common use, it can be hard to understand precisely what is wrong about exploiting hope what can accurately be captured under this concept, and what should be done. In this book, philosopher Jeremy Snyder offers an in-depth study of hope's exploitation. First, he examines the concept in the abstract, including a close look at how this term is used in the popular press and analysis of the concepts of exploitation and hope. This theory-based section culminates in a definitive account of what it is to exploit hope, and when and why doing so is morally problematic. The second section of the book examines the particularly dangerous cases in which unproven medical interventions target the most vulnerable: for example, participants in clinical trials, purchasing unproven stem cell interventions, "right to try" legislation, and crowdfunding for unproven medical interventions. This book is essential reading for ethical theorists, policymakers, and health researchers, on a topic of growing visibility and importance.
Download or read book The ICU Guide for Families written by Lara Goitein and published by Rowman & Littlefield. This book was released on 2021-12-01 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: ICU events are not uncommon but knowing what to do when a loved one is placed there is. This work explores the ICU with an eye toward guiding families to getting the best care for their beloved patient Intensive care will touch almost all of us at some point – whether directly, or through our families and or friends. This book is for every family of patients in the ICU, who have suddenly entered an intimidating and alien world, in which they feel powerless and out of control. In simple, direct language, Lara Goitein, MD, gives clear explanations of all aspects of intensive care – what all those lines and tubes are; common conditions such as sepsis and acute respiratory distress syndrome (ARDS); physical changes in patients and what they mean; common procedures and their risks and benefits; and the people and the culture of the ICU. One full section of the book is devoted to Covid-19-specific issues. In addition, the book provides concrete advice for how family members can be effective advocates on behalf of their loved ones –what to know before giving consent for procedures, how to interact with ICU staff, how to help the ICU team guard against common complications of ICU care, and how to approach important decisions about end-of-life care. Along the way, the author gently reminds of us of what, in the end, matters most in the ICU. For readers who may be distracted and exhausted, this is a clear, accessible guide with concrete recommendations for getting the best care and asking the right questions along the way. A compassionate resource in a time of extreme stress, this book offers support to anyone touched by an ICU stay.
Download or read book Maximize 365 written by Kristin A. Sherry and published by Black Rose Writing. This book was released on 2021-02-18 with total page 447 pages. Available in PDF, EPUB and Kindle. Book excerpt: "365 is your playbook to shift your mindset and creatively solve problems to improve your life in the most important areas." –Beth Comstock, author, Imagine It Forward and Forbes' Top 100 Most Powerful Women Maximize 365 will guide you to increased personal growth, satisfaction, and success. Daily tips in the areas of relationships, health and wellness, career, finances, and spirituality will help you level up your life. International bestselling author Kristin A. Sherry contributes over a decade of executive and career coaching expertise along with a treasure chest of actionable advice from additional experts. Each daily topic is supported by an inspiring quote and specific ideas for action to realize immediate progress. From building wealth and passive income, productive approaches to conflict, discovering your purpose and leaving a legacy, to advancing your career, and a wide range of topics in between, Maximize 365 will help you transform and grow the vital areas of your life.
Download or read book The Case for a Debt Jubilee written by Richard Vague and published by John Wiley & Sons. This book was released on 2021-09-21 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: We were drowning in in record levels of debt before the COVID-19 crisis, and we are now deluged in it. U.S. private-sector loans have tripled relative to income since 1950 – and government debt is also at an all-time high. Soaring debt burdens individuals, stifles growth, compounds inequality, and brings falling living standards for millions. Richard Vague’s new book argues that, contrary to mainstream assumptions, we cannot simply hope that the trend will correct itself. Mounting debt is a feature of our economic system, not a bug: debts perpetually grow and compound, polarizing and impoverishing economies if not overtly dealt with. He offers a detailed plan for how we can restructure a range of debts – such as student loans, auto loans, medical debt and more – and offer hard-pressed debtors a ‘jubilee’ now, not in some utopian future. Vague’s bold polemic contains a wealth of ideas that will free millions from modern-day debt peonage, reduce inequality and bring new vigor to the economy as it struggles to emerge from the pandemic.
Download or read book Asset Building and Low income Families written by Signe-Mary McKernan and published by The Urban Insitute. This book was released on 2008 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Download or read book Keeping Score on Credit Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Use of Credit Information Beyond Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Making Sense of Consumer Credit Reports written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection and published by . This book was released on 2013 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Affordable Care Act written by Tamara Thompson and published by Greenhaven Publishing LLC. This book was released on 2014-12-02 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.
Download or read book Finding What Works in Health Care written by Institute of Medicine and published by National Academies Press. This book was released on 2011-07-20 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Healthcare decision makers in search of reliable information that compares health interventions increasingly turn to systematic reviews for the best summary of the evidence. Systematic reviews identify, select, assess, and synthesize the findings of similar but separate studies, and can help clarify what is known and not known about the potential benefits and harms of drugs, devices, and other healthcare services. Systematic reviews can be helpful for clinicians who want to integrate research findings into their daily practices, for patients to make well-informed choices about their own care, for professional medical societies and other organizations that develop clinical practice guidelines. Too often systematic reviews are of uncertain or poor quality. There are no universally accepted standards for developing systematic reviews leading to variability in how conflicts of interest and biases are handled, how evidence is appraised, and the overall scientific rigor of the process. In Finding What Works in Health Care the Institute of Medicine (IOM) recommends 21 standards for developing high-quality systematic reviews of comparative effectiveness research. The standards address the entire systematic review process from the initial steps of formulating the topic and building the review team to producing a detailed final report that synthesizes what the evidence shows and where knowledge gaps remain. Finding What Works in Health Care also proposes a framework for improving the quality of the science underpinning systematic reviews. This book will serve as a vital resource for both sponsors and producers of systematic reviews of comparative effectiveness research.
Download or read book Strengthening Forensic Science in the United States written by National Research Council and published by National Academies Press. This book was released on 2009-07-29 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scores of talented and dedicated people serve the forensic science community, performing vitally important work. However, they are often constrained by lack of adequate resources, sound policies, and national support. It is clear that change and advancements, both systematic and scientific, are needed in a number of forensic science disciplines to ensure the reliability of work, establish enforceable standards, and promote best practices with consistent application. Strengthening Forensic Science in the United States: A Path Forward provides a detailed plan for addressing these needs and suggests the creation of a new government entity, the National Institute of Forensic Science, to establish and enforce standards within the forensic science community. The benefits of improving and regulating the forensic science disciplines are clear: assisting law enforcement officials, enhancing homeland security, and reducing the risk of wrongful conviction and exoneration. Strengthening Forensic Science in the United States gives a full account of what is needed to advance the forensic science disciplines, including upgrading of systems and organizational structures, better training, widespread adoption of uniform and enforceable best practices, and mandatory certification and accreditation programs. While this book provides an essential call-to-action for congress and policy makers, it also serves as a vital tool for law enforcement agencies, criminal prosecutors and attorneys, and forensic science educators.
Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
